Gas Station Insurance in San Diego

General Liability Insurance

This is one of the most common business insurance policies. It covers customer injuries, damages to the customer property, and libel or slander lawsuits. Third parties may identify your business as liable for their losses, so a general liability policy will cover you.

Business Owner Policy (BOP)

BOP bundles general liability, commercial property, and business interruption insurance. So, it is a more affordable option than purchasing each policy separately. It usually provides coverage for equipment breakdowns, building and contents, and more.

Workers’ Compensation

It will protect your employees by paying for medical costs, lost wages, and even death resulting from any work-related injury or illness. It is mandatory in California, and failure to provide proper workers’ comp can result in severe penalties.

Employment Practices Liability Insurance (EPLI)

Harassment, discrimination, wrongful termination, and other wrongful acts can be reasons for your employees to file a lawsuit. With EPLI, you will have funds to cover your legal expenses.

Commercial Property

It protects your physical assets from explosions, storms, vandalism, theft, burst pipes, and fire. Your computers, furniture, equipment, documents, inventory, and other’s property will be covered.

Commercial Crime Coverage

Our commercial crime policy covers employee dishonesty, robbery, forgery or alteration, funds transfer fraud, computer fraud, burglary, and other crime-related losses.

Underground Storage Tank Insurance

Having an underground storage tank leak or fuel release into the ground is a financial, PR and ecological nightmare. This coverage will help you with defense costs that arise from legal action brought by third parties harmed by the incident.

Business Interruption

When fire or some natural disaster closes your business, business interruption insurance kicks in. It covers lost income, operating expenses, payroll, taxes, loan payments, moving to a temporary location, and more.

Equipment Breakdown

A pump malfunction can cause money loss as customers pass you by. With equipment breakdown insurance, you will be back to business in no time and have fewer out-of-the-pocket expenses.

Commercial Auto Insurance

If you own a commercial vehicle like a van or gas truck, commercial auto insurance will provide coverage for property damage and bodily injuries in case it is involved in an accident. Nearly every state requires this type of insurance coverage for business-owned vehicles.

Cyber Liability Insurance

Protection against computer-related crimes and losses is extremely important. This insurance coverage is designed to cover data, privacy, and network exposures. Most gas stations accept credit cards and use computers, so having this coverage can be beneficial.

Umbrella Coverage

The risk of substantial losses is always present when running a gas station business. In situations when your standard insurance policy cannot cover the total expense, an umbrella policy provides coverage that exceeds your policy limit.